HispanicBusiness

                      GUARANTY BANCORP AND SUBSIDIARIES                Unaudited Consolidated Average Balance Sheets                                 QTD Average                YTD Average                       December   September  December   December   December                       31, 2012   30, 2012   31, 2011   31, 2012   31, 2011                      ---------- ---------- ---------- ---------- ----------                                          (In thousands)AssetsInterest earning assets  Loans, net of   unearned discount  $1,129,893 $1,096,395 $1,085,975 $1,110,267 $1,123,619  Securities             451,342    403,053    364,833    405,240    394,456  Other earning   assets                159,038    170,852    124,385    129,391    140,608                      ---------- ---------- ---------- ---------- ----------Average earning assets                1,740,273  1,670,300  1,575,193  1,644,898  1,658,683Other assets             102,939    106,257    106,975    104,217    110,249                      ---------- ---------- ---------- ---------- ----------Total average assets  $1,843,212 $1,776,557 $1,682,168 $1,749,115 $1,768,932                      ========== ========== ========== ========== ==========Liabilities and Stockholders' EquityAverage liabilities:Average deposits:  Noninterest-bearing   deposits           $  521,000 $  515,157 $  459,031 $  496,940 $  425,763  Interest-bearing   deposits              895,729    861,685    869,758    867,259    953,727                      ---------- ---------- ---------- ---------- ----------  Average deposits     1,416,729  1,376,842  1,328,789  1,364,199  1,379,490Other interest- bearing liabilities     232,004    208,643    173,848    197,633    215,093Other liabilities          8,736      8,739      9,691      7,983      8,548                      ---------- ---------- ---------- ---------- ----------Total average liabilities           1,657,469  1,594,224  1,512,328  1,569,815  1,603,131Average stockholders' equity                  185,743    182,333    169,840    179,300    165,801                      ---------- ---------- ---------- ---------- ----------Total average liabilities and stockholders' equity $1,843,212 $1,776,557 $1,682,168 $1,749,115 $1,768,932                      ========== ========== ========== ========== ==========

                             GUARANTY BANCORP                     Unaudited Credit Quality Measures                                       Quarter Ended                -----------------------------------------------------------                 December     September   June 30,    March 31,   December                 31, 2012     30, 2012      2012        2012      31, 2011                ----------   ----------  ----------  ----------  ----------                                   (Dollars in thousands)Nonaccrual loans and leases         $   13,692   $   21,185  $   21,291  $   29,648  $   26,801Other nonperforming loans                 224          543           -       1,301           6                ----------   ----------  ----------  ----------  ----------  Total   nonperformin   g loans      $   13,916   $   21,728  $   21,291  $   30,949  $   26,807                ----------   ----------  ----------  ----------  ----------Other real estate owned and foreclosed assets             19,580       23,532      24,640      28,072      29,027                ----------   ----------  ----------  ----------  ----------  Total   nonperformin   g assets     $   33,496   $   45,260  $   45,931  $   59,021  $   55,834                ==========   ==========  ==========  ==========  ==========Total classified assets         $   58,635   $   74,514  $   77,910  $   81,130  $   83,317                ==========   ==========  ==========  ==========  ==========Nonperforming loans          $   13,916   $   21,728  $   21,291  $   30,949  $   26,807Other restructured loans still accruing            3,838            -           -           -           -Allocated allowance for loan losses         (2654)      (3,774)     (1,859)     (2,572)     (3,490)                ----------   ----------  ----------  ----------  ----------  Net   investment   in impaired   loans        $   15,100   $   17,954  $   19,432  $   28,377  $   23,317                ==========   ==========  ==========  ==========  ==========Accruing loans past due 90 days or more   $      224   $      543  $        -  $    1,301  $        6                ==========   ==========  ==========  ==========  ==========Accruing loans past due 30-89 days           $    4,270   $    7,678  $   18,448  $   10,798  $   10,805                ==========   ==========  ==========  ==========  ==========Charged-off loans          $    1,199   $    1,067  $    2,062  $    6,371  $    2,603Recoveries          (1,244)        (357)       (794)       (785)       (412)                ----------   ----------  ----------  ----------  ----------  Net charge-   offs         $      (45)  $      710  $    1,268  $    5,586  $    2,191                ==========   ==========  ==========  ==========  ==========Provision for loan losses    $   (3,500)  $        -  $      500  $    1,000  $    1,000                ==========   ==========  ==========  ==========  ==========Allowance for loan losses    $   25,142   $   28,597  $   29,307  $   30,075  $   34,661                ==========   ==========  ==========  ==========  ==========Allowance for loan losses to loans, net of unearned discount             2.17%        2.56%       2.64%       2.71%       3.16%Allowance for loan losses to nonaccrual loans              183.63%      134.99%     137.65%     101.44%     129.33%Allowance for loan losses to nonperforming assets              75.06%       63.18%      63.81%      50.96%      62.08%Allowance for loan losses to nonperforming loans              180.67%      131.61%     137.65%      97.17%     129.30%Nonperforming assets to loans, net of unearned discount, and other real estate owned         2.84%        3.96%       4.05%       5.19%       4.95%Nonperforming assets to total assets         1.78%        2.47%       2.62%       3.44%       3.30%Nonaccrual loans to loans, net of unearned discount             1.18%        1.89%       1.92%       2.67%       2.44%Nonperforming loans to loans, net of unearned discount             1.20%        1.94%       1.92%       2.79%       2.44%Annualized net charge-offs to average loans       (0.02)%       0.26%       0.46%       2.03%       0.80%